justyourcalculatorSocial Security Calculator
See your benefit at every age from 62 to 70 and when waiting pays off.
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Social Security Calculator
Compare claiming ages 62 to 70 and the break-even age
From your statement at ssa.gov/myaccount.
Use 0% to see totals in today's dollars.
Best claiming age if you live to 85
Age 70
$2,480.00 a month, $446,400 lifetime
- Full retirement age
- 67
- Benefit at full retirement age
- $2,000.00 / month
- Claim at 62-30% vs full
- $1,400.00 / month
- Claim at 70+24% vs full
- $2,480.00 / month
- Break-even, 70 vs 62
- Age 80 and 5 months
- Break-even, full age vs 62
- Age 78 and 8 months
SSA rules: benefits drop 5/9 of 1% a month for the first 36 months before full retirement age and 5/12 of 1% for each month beyond; delayed credits add 8% a year up to 70. Estimates use 2026 bend points ($1,286 / $7,749) and assume 35 years of earnings. Spousal benefits and the earnings test are not included. Estimates for planning only, not financial advice.
- Claim at 62
- Claim at 67
- Claim at 70
| Claim at | Monthly | % of full | Total to 85 | Break-even vs 62 |
|---|---|---|---|---|
| 62 | $1,400.00 | 70% | $386,400 | - |
| 63 | $1,500.00 | 75% | $396,000 | 77 |
| 64 | $1,600.00 | 80% | $403,200 | 78 |
| 65 | $1,733.33 | 86.7% | $416,000 | 77 and 8 months |
| 66 | $1,866.67 | 93.3% | $425,600 | 78 |
| 67 | $2,000.00 | 100% | $432,000 | 78 and 8 months |
| 68 | $2,160.00 | 108% | $440,640 | 79 and 1 month |
| 69 | $2,320.00 | 116% | $445,440 | 79 and 8 months |
| 70 | $2,480.00 | 124% | $446,400 | 80 and 5 months |
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How the social security calculator works
Your full benefit (the primary insurance amount) is what you get at full retirement age, which is 67 for anyone born in 1960 or later. Claiming early reduces it permanently: by 5/9 of 1% for each of the first 36 months early and 5/12 of 1% for each month beyond, so claiming at 62 pays 70% of the full benefit.
Waiting past full retirement age earns delayed retirement credits of 2/3 of 1% a month (8% a year) until 70, so claiming at 70 pays 124%. The break-even age is when the bigger, later checks catch up with the total you would have collected by starting early, usually around 80 to 83.
The estimate option applies the 2026 benefit formula (90% of the first $1,286 of average monthly earnings, 32% up to $7,749 and 15% above) to your average pay.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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